There’s a fairly good likelihood you’ve learn rave critiques about YNAB. Maybe you’ve a pal who brings it up each time cash is talked about. Possibly you’ve found our subreddit, which has roughly as many members as all the inhabitants of Salt Lake Metropolis—and we don’t even run it! Or you will have heard that greater than 14 customers obtained customized YNAB license plates for his or her automobiles and one couple included us of their marriage ceremony vows—and, no, we didn’t ask anybody to do any of that! So, it is sensible in case you’ve discovered your self questioning what the entire fuss is about and asking, “Is YNAB price it?”
We get it. We all know all too nicely that the majority monetary apps don’t include a cult-like following, however as Adrienne So, a senior commerce editor for WIRED, so completely put it: “YNAB isn’t only a software for cash administration. It’s a software for self-actualization. Who do you wish to be, and the way can the cash you earn enable you get there?”
YNAB prices $109 USD per 12 months, or roughly 30 cents a day. “However why would I pay cash after I’m attempting to economize?” is perhaps what you ask subsequent. And I’m so glad, as a result of it brings us proper again to your query about why our customers are so, nicely, bizarre about us (in such a cool method!)
It’s true that our software program makes it simpler to handle your funds, however essentially the most important, soul-sparking promoting level is how the YNAB Methodology adjustments the way in which you suppose about cash, and the way altering the way in which you concentrate on cash adjustments your complete life.
It’s a extremely large deal (thus the license plates and marriage ceremony vows.)
So, anyway, we all know you may nonetheless have some questions on why YNAB is price it and that’s why we surveyed 1000’s of YNAB customers that can assist you discover some solutions. Actual numbers is perhaps simply what you want to resolve this thriller for your self as soon as and for all.
So let’s dive into what practically 9,000 YNABers need to say.
Spending with confidence (and with out guilt)
However we’re not simply speaking about saving cash for its personal sake. We save so we are able to spend that cash on the issues that actually matter to us. Considered one of YNAB’s core ideas is spendfulness—creating alignment between the way you spend cash and the life you wish to stay.
As a substitute of second-guessing each buy, YNABers spend with confidence and readability:
- 78% of customers say they’ll spend with out feeling responsible.
- 89% of customers say their spending aligns with their values and priorities.
- 1 in 4 YNABers have paid for a automobile in money since utilizing YNAB.
- 1 in 4 customers have turn into first-time householders.
- 90% examine YNAB earlier than making a spending determination—relatively than their checking account.
These outcomes show that YNAB doesn’t simply enable you spend much less—it helps you spend nicely. It helps you spend in a method that truly improves your life by including intention and consciousness so you’ll be able to ditch guilt, stress, and second-guessing.
Debt payoff that’s really sustainable
If getting out of debt is one in every of your targets, YNAB has been a game-changer for 1000’s:
- 74% of YNAB customers have paid off debt.
- Amongst those that have, the typical quantity paid off is $27,744.
- The most typical sorts of debt paid off? Bank cards (56%), auto loans (45%), and scholar loans (38%).
With YNAB, debt payoff isn’t only a dream—it’s a actuality that 1000’s have achieved by giving their {dollars} a job and prioritizing what issues most. Possibly you’ve tried paying off debt previously however it simply didn’t stick. YNAB will enable you repay debt sustainably whereas completely breaking your reliance on debt. Plus, you’ll be extra motivated to go after this aim than ever, since you’ll know the freed-up cashflow will go towards issues that truly matter to you.
Extra peace, extra optimism, extra freedom
I’ve shared some numbers with you on how a lot cash YNABers have saved and the way a lot debt they’ve paid off utilizing this life-changing methodology and app. However I would like you to know that YNAB is about a lot greater than saving cash. It’s about turning into extra of the individual you wish to be, spending extra on the belongings you love, and silencing, as soon as and for all, the fixed, pernicious uncertainty that makes you second-guess each buy.
You’re second-guessing whether or not to spend cash on YNAB proper now, however in case you give it a attempt, you’ll discover that is the final buy you ever need to second-guess once more. The numbers are staggering:
- 92% of customers really feel much less stress since utilizing YNAB.
- 92% say their funds are in a higher place.
- 91% say YNAB has modified the way in which they give thought to cash for the higher.
- 99% of YNAB customers pay their payments on time (that’s virtually all of them), with 69% paying payments on auto-pay.
- 89% really feel extra comfy speaking about cash.
- YNABers are 5 occasions extra optimistic about their monetary future than earlier than they used YNAB.
Even higher? The advantages transcend simply numbers—customers report higher sleep, decreased relationship battle, and a clearer sense of management over their monetary future. You may’t afford not to attempt it!
So, is YNAB price it?
Sure, in fact it’s price it! YNAB customers save 1000’s, repay debt, obtain life targets, and acquire a way of monetary peace that’s laborious to place a value on. Studying YNAB could take just a little effort—however the outcomes present that those that keep it up expertise an entire shift in not solely how they plan their spending, but additionally how they stay their lives.
It’s laborious to place a value on interior peace, however 30 cents a day looks like an awesome deal.
Nonetheless questioning if YNAB is for you? Attempt it without spending a dime for 34 days and see for your self. If the information is any indication, you received’t remorse it.
